7 of the Best Money-Making Apps of 2021

Apps give a plethora of options for people wishing to generate money conveniently. Take surveys, pick up side employment, sell your unwanted items, and more with your smartphone.

Here’s all you need to know about seven free money-making applications.

Apps with at least four stars and 25,000 reviews in both Google Play and the iOS App Store were examined by NerdWallet.

The most excellent apps for generating money


How it works: With Ibotta, you can get cashback on over 1,500 brands and retailers’ in-store and online purchases. It began as a grocery store and has now evolved to include apparel, entertainment, pet supplies, and other items. Offers can be particular to a product or a merchant, and some will be applied automatically. Others will need you to do a specific job, such as viewing a film or taking a poll.

There are three ways to get money back in stores: After your shopping excursion, add offers and submit your receipt in the app, link your store loyalty accounts, or buy a retailer gift card using the Ibotta app. Finally, you use the app or the website to make online purchases.

Payment: PayPal, gift card, or direct to a bank account.

Pros: You’ll get cashback immediately on in-store purchases – usually within 24 hours. Ibotta also has a $20 welcome bonus, referral bonuses, and several other payment options.

Cons: Earning money might take a long time. You must have at least $20 in cashback (or $25 for specific gift cards) to redeem your winnings. The pending period for receiving cashback on online purchases varies by vendor. However, it may take many months for you to get credit for your investment in some cases. For example, the waiting period for Macys.com is up to 90 days as of this writing.


Rakuten (previously known as Ebates) gives customers up to 40% cashback on purchases made at well-known stores, restaurants, and food delivery services. Cashback can also be earned on travel, gift cards, and other assets. It’s easy to understand:

  • Create an account.
  • Go to the app and tap on the offer you want.
  • Complete the purchase through the portal.

You may also earn cashback in-store by linking a credit or debit card to your Rakuten account, as long as you activate the deal through the app first. After Rakuten confirms the purchase with the shop, which might take anywhere from a few hours to several days, the money is credited to your account.

Payment: PayPal or check.

Pros: Cashback is available at thousands of businesses, and for a variety of transactions, so you’ll most likely discover bargains where you already shop. Sign-up and referral incentives are also available.

Cons: You must spend money to earn money, like with other cashback programs. You won’t see your profits right immediately, though; Rakuten pays out every three months, and you must have at least a $5 cashback amount to get paid.


Swagbucks is a cashback and rewards program that operates in a similar way to Amazon Prime. Swagbucks allows you to earn “SB” points by shopping, answering surveys, watching movies, playing games, and completing other things. You may exchange your points for gift cards or money in your PayPal account. The overall number of points granted varies depending on the job. Surveys, for example, are usually worth 40 to 200 SB points apiece. The minimum amount necessary to redeem varies per payout choice, although certain gift cards may be purchased for as little as 140 SB.

Payment can be made with a gift card or using PayPal.

Pros: Swagbucks provides a variety of simple ways to earn rewards, and there is no time limit on when you may payout. After redemption, payments are generally received within ten business days. You can also earn a $10 incentive if you make a qualifying $25 purchase when you join.

Cons: It pays very little; one SB is worth around a penny. With many chores being worth pennies, generating a significant sum of money might take a long time and effort. Furthermore, you will not be eligible for every survey or activity. Users frequently claim to be thrown out of surveys when they are in the middle of them. According to Swagbucks, this might be due to demographics or dishonest or inconsistent responses.


How it works: Fiverr is a freelance marketplace with over 200 categories of services, including programming, video, and animation. First, you build a “seller” profile that highlights your skills. Then, along with the price and a description of your skills, publish the gig you’re providing. Next, clients referred to as “buyers” can navigate the site and place orders. Once you’ve finished the assignment, you’ll get compensated. Seller tiers on Fiverr are assigned depending on performance. In addition, you’ll be able to sell additional “extras” as you advance through the levels, such as a speedier delivery time.

Payment options include PayPal, direct bank transfer, or credit to a Fiverr Revenue Card (a prepaid card). Depending on whatever method you pick, the minimum withdrawal amount varies, and you may be charged a withdrawal fee.

Pros: You won’t have to look for buyers since they will come to you. You can also get paid in the form of tips.

Cons: Fiverr takes 20% of your revenue, including tips, for each gig, and there’s a 14-day waiting period for withdrawals after completing an order.


How it works: Upwork is a freelancing marketplace that links freelancers with jobs in writing, design, marketing, and other fields. You’ll start by creating a profile. It should include information such as your qualifications, availability, and desired rate, as well as the area you’re interested in. After that, you can make proposals. If you appear to be a good fit, clients will examine them and offer you tasks. You’ll be paid a modest fee for each submission, but not when clients contact you. Instead, you might get paid by the hour or by the project.

Payment options include direct deposit, wire transfer, Instant Pay, PayPal, and Payoneer. Some payment methods have fees associated with them, so be sure to check Upwork for more information.

Pros: Upwork makes finding clients, building connections, and being paid a lot easier. You may also choose your favorite fee and timetable using this service.

Cons: While the app is free to use, contacting customers costs money. A service fee is also paid to users. Upwork gets a 5% to 20% share of your earnings, depending on how much you charge a customer. The more money you make, the more money you keep. You will not be paid until ten days after the billing period has ended. It would help if you also kept in mind that you’ll compete with other freelancers in the marketplace. As a result, clients may choose those who have set lesser pricing.


How it works: OfferUp, which recently merged with rival Letgo, is a local marketplace where you can sell your belongings. OfferUp now permits shipment throughout the continental United States if you want to reach a larger audience. First, create an account and upload a photo of your smartphone, car, sofa, or anything you’re trying to sell. Then, after adding a title, description, and price, you may submit your listing and communicate with buyers straight through the app. After that, you’ll either ship to or meet with the buyer. [Note: If you decide to do this during the pandemic, make sure to follow all cleaning and hygiene precautions.]

Payment options include cash, debit card, and bank account deposits.

Pros: Creating a listing is straightforward and quick, and you’ll get paid right away if you sell something for cash. You may also look at a prospective buyer’s reviews and ratings to see how trustworthy they are ahead of time. If you want to send your item, the buyer is responsible for the expense, and OfferUp will give the shipping label.

Cons: You’ll be responsible for meeting local buyers and completing deals in person. For shipping, sellers must pay a 12.9 percent service charge or a minimum of $1.99.


How it works is as follows: Poshmark is an app designed specifically for selling clothes and accessories. You take or upload images of your item, write a description, set a price, and share the listing after joining up. Items can also be included in “Posh Parties,” virtual shopping events based on specific brands, categories, and themes. When you purchase Poshmark, you will receive an email with a prepaid shipping label. The parcel is then sent.

Payment options include a check or a direct payment into a bank account.

Pros: Poshmark makes the entire process of selling and shipping easier. Furthermore, you are not required to meet with strangers to make a deal. The firm will cover missing packages and deal with any concerns you have with the buyer. Poshmark pays within three days of the customer receiving the order, so getting paid is also a breeze.

Cons: You’ll have to pay a charge to sell on Poshmark. For purchases under $15, the firm gets a $2.95 fee, and for sales of $15 or above, the company takes a 20% commission.


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